[cynwoody]

I have an American Express Blue Cash Preferred, with a $95 fee, and a Fidelity Rewards Visa, with no fee.

The AX card rebates 6% on groceries, 3% on gas, and 1% on everything else. The Visa pays 2% on everything else. No silly quarterly schedules on changing categories of spending.

Therefore, groceries and gas go on the AX Blue, and everything else goes on the Visa (which used to be an AX card, oops, AXP!). And, of course, both cards get paid off in full every month.

If you travel for business a lot, there are a dizzying assortment of deals. But I no longer do, so the above seems optimal for me.

[empath75]

As someone who declared bankruptcy from credit card debt in my 20s and now makes a comfortable six figure income with no debt and who heavily uses rewards cards, the fact that this scheme is just a massive transfer of wealth from the poor to the wealthy disgusts me and I wish they’d do away with it. There are so many ways the wealthy get rewarded with more wealth and the poor get charged for being poor. It’s an absurd system.